Yoga Instructors(Accredited Rates available with at least 50 hours of yoga instruction experience)

This program provides protection for the Policyholder against claims of bodily injury
liability, property damage liability, personal and advertising injury liability and the
litigation costs to defend against such claims. Coverage is provided up to $1,000,000
per occurrence. There is no deductible amount. Coverage is offered through the Sports and
Recreation Providers Association Purchasing Group.

Coverage Includes Suits Arising Out Of:

Injury or death of spectators

Injury or death of participants

Injury or death of volunteers

Property damage liability

Incidental medical malpractice

All activities necessary to conduct training

Ownership use or maintenance of fields or practice areas

General negligence claims

Cost of investigation and defense of claims, even if groundless

Corporal punishment

Exclusions

Abuse or molestation (unless optional coverage is selected), aircraft, all acts of terrorism,
asbestos liability, employment related practices, fungi and bacteria,
hepatitis, HIV, HTVL, AIDS, transmissible spongiform encephalopathy, lead poisoning, nuclear energy
liability, pyrotechnics activity, total pollution, violation of the CAN-SPAM act, war liability and
liability for occurrences prior to the effective date of coverage. All of the above
are subject to the terms and conditions of the policy.

Please note the following ineligible activities:

Certified High School / College Athletic Trainers

Coaching of Competitive Athletics

Instructors under the age of 18

Instructors based outside of the U.S.

Physical Education Teachers working within the school systems

Insurer

The general liability coverage is provided by U.S. Fire Insurance Company,
"A" (Excellent) rated by A.M. Best Company.

Note: Rates and minimum premium may be higher in certain coverage states.
Please note that a $10.00 Credit Card Processing Fee will be added to all credit card orders. Credit Card Fee does not apply in FL.
Yoga Instructors need 50 hours of instructional experience to qualify for Accredited rates.

The Optional Coverages

Equipment Coverage

This Inland Marine insurance product
provides coverage for your equipment
and contents up to the specified limit.

This page has been designed to illustrate the highlights of this program but is not a contract.
Some exclusions and coverages may be modified to meet individual state requirements.
For specific details, please request a sample policy.